Njengoko utshintsho lwezizukulwana luza kuchaphazela imeko kutyalo-mali kwaye nokuba imilebe yehlabathi yenkqubo ilindele ngenxa yokuba i-zoomers ingene kwincoko ye-boolvent nge-bankiros.ru ixelele iSewill UMlawuli weNkampani yoTyalo-mali Aktivo Konstantin Zonkov.
Abatyalomali base-Millenialy ngoku
Phakathi kwabatyali mali okwangoku ziinkulungwane ezininzi. Aba bantu baselula ukusuka nge-25 ukuya kwengama-40 (kunyaka wokuzalwa ukusuka ngo-1981 ukuya ku-1996). Uninzi lweMillennilas eRussia lwavuka kwindawo engalunganga, iinjongo zezinto ezibonakalayo ziye zangena kwaye ziqinisekile ukuba zinokuphumelela kuphela- kufanelekile kuphela. Baxabise ii-rati, imeko kunye novelwano olondlayo malunga noko kubanika imvakalelo yozinzo kunye 'noxinzelelo ". Kwangelo xesha, ezi mvakalelo azisoloko zichazwe ngokwezinto eziphathekayo kwaye zixhalabile: Milileniyaela ifuna ukuchukumisa kunye neemvakalelo. Ukuba nemali eyaneleyo yokuqinisekisa iimfuno zakho, i-Millenälya ininzi kakhulu. Kuyathakazelisa ukuqaphela ukuba kwangaxeshanye abafuni ukuthenga izindlu-isiseko sesigqibo sibale ukuba i-47% ye-MillenNena yeminyaka engama-45 ubudala inaxesha.
Ke ngoko, abatyali mali abadla ngokukhetha iphothifoliyo ye-orgoriths kunye ne-algorithms elungiselelwe. Ayisiyo nganye kuzo ulwazi olunzulu kwicandelo lezezimali, kodwa bafunda kakhulu, bathelekisa, nangona bahlala besebenzisa izibonelelo ezigqityiweyo zeenkampani. Bakulungele ukukholisa, kodwa baqala ngento enika imvakalelo yozinzo. Ke ngoko, isiseko seephothifoliyo zabo zihlala zithengisa izindlu ngeRetails - ubonakalise ukuthembeka kwalo kunye neentlobo ezahlukeneyo zentsholongwane eRussia kwafunyanwa ukuba woyike ukuwa ngokukhawuleza. Kunye nokufumana uzinzo kunye nengeniso yokuqala eqikelelweyo kunye ne-Inderment, baziva bezithemba ngakumbi kwaye sele beqala ukudlala enkulu. Kodwa kwangaxeshanye, abaninzi abanamqamelo wezezimali kunye nokuqokelelwa kwezemali - iMilleni yaseMilleniya ithanda ukuchitha.
Isizukulwana esisisiseko sahlula-hlulwa ngendlela abalufumana ngayo ulwazi: Iminyaka engamawaka amamele iBlogger, ithanda umxholo we-GAGEAMEX kunye neeYunithi eziZongezelayo - iiyunithi ziya kufunda okwesiqhelo zabatyali-mali kunye neengcali zabasebenzi. I-Millennialys ichitha ulwazi ngokukhawuleza, ngoko kufanele ukuba kube lula. Kodwa kwangaxeshanye, iMillenialov ayinakubizwa ngokuba ngabantu abaqiqayo kwaye baqhutywa kwi-fakes-balicoca ngokukhawuleza kwaye bahlalutya uluhlu oluninzi lolwazi. Ke ngoko, iinkampani kunye neengxowa-mali kufuneka ziphonononge indlela yesicelo, kodwa ayinzanga lula umxholo wayo.
IIMPAWU ZOKUGQIBELA ZE-ZOSENTERNditsho nezilwanyana ziye zaqhubeka ngakumbi - uninzi lwabaphandi abaphandileyo bakholelwa ukuba esi sizukulwana siye saqulunqa indlela yolwazi olungeyondaba kwaye ichonga i-fake. Baziva bebuxoki, musa ukuqhubeka nenqanaba kunye neempawu kwaye basebenzise ngokutya. Esi sizukulwana, umzekelo, ukhetha ukuzonwabisa, kodwa kwangaxeshanye umxholo. Ii-sneblers zilawulwa kwiindawo ezininzi, kuba zazalelwa abane-smartphones ezandleni zabo. Inqanaba lokufunda kwabo kwezemali liphezulu kunazo zonke izizukulwana ezingaphambili.
Iingcali zengqondo azifuneki ngesizukulwana ukuze sikwazi ukunxibelelana naye. Kodwa ngoku kuyacaca: I-zoomers iya kuhlehlisa imodeli yokusetyenziswa kunye notyalo-mali. Imeko enokwenzeka: Isimo sengqondo esinolwazi nesixabisekileyo seNkampani siya kuba sisixhobo esibalulekileyo sethemba lokutyalomali.
Elinye inqaku elizuzwe njengelifa le-millialyans kukuhamba. Lonke uPhalo mali kufuneka lufumaneke kwi-smartphone, kwaye inkqubo yolawulo lwamaxwebhu ilungiselelwe kwaye ikhawuleze.
Ithetha ntoni le nto?Siza kubona idijithali kunye nokunikwa kwenani lotyalo-mali. Islang entsha iya kubonakala ichaza utyalomali kulwimi "lolutsha". Bachaza amacebo - uloyiko lokuphulukana-(isiNgesi - "isakhelo sezibonelelo eziphoswe") kunye nolo - uphila kanye (isiNgesi- "siphila kuphela"). Aba bakhuthazo abatsha ukuze basebenzise imali, kwaye ke kutyalo-mali. Ewe kunjalo, abazange bavele emoyeni kwaye baqhelene nesizukulwana esilizi sikhubazana, kodwa iMilinjeyley yaziqonda, ivakalise ifomathi yabo ngokucacileyo kubo, baguqulwa kwaye ngoku baguqulwa.
Amanyathelo, njengasiphi na isizukulwana, ukwala esandulelayo, mhlawumbi susa kwimizuzu ye-Milloiav. Umzekelo, ngoku, ngokungafaniyo neMilinlenov, abahlehlela ngaphezulu kwinkxaso yabantwana (ama-35%) kunye nokuhamba (iipesenti ezingama-44), kwiimeko ezingalindelekanga (kunye neholide kwaye hamba i-17% yabaphenduli. Ii-sneblers zahlulahlulwe ngokutyalomali kunye notyalo-mali olucinga ngakumbi, kodwa ziya kutyala imali kwinto abasondeleyo kwaye ziyaqondakala, ezihambelana neenqobo ezisemgangathweni, iindidi zamandla, itekhnoloji, itekhnoloji ye-ecomedine. Ngokuqinisekileyo ishishini ngokuqinisekileyo iya kulungiswa phantsi komthetho otsha. Kubalulekile ukutshintsha naye kwaye ungaphoswa ngabatyali-mali abatsha.
Njengoko isithethi saphawulwa, kwisakhiwo sabatyali-mali se-AKTIV, isabelo seZomers kwiminyaka emithathu edlulileyo ayitshintshanga nangayiphi na indlela kwaye yi-1%. Xa uqhelisela, oku kuthetha ukuba kubunzima bemali yonke yotyalo-mali zemali eqokelelwe kwesi sizukulwana, akukanele. Kodwa ukuya kwizaphulelo kwiiakhawunti, ukuba angathatheli ingqalelo kweli qela labatyali mali. Kwangelo xesha, isahlulo seminyaka elishumi elinesitya kubatyali-mali ngeli xesha sanda ukusuka kwi-47% ukuya kwi-57%, kwaye uninzi lwabatyali mali luyenyuka ukusuka kwi-52% ukuya kwi-48% ukuya kwi-48% ukuya kwi-48% ukuya kwi-48% ukuya kwi-48% ukuya kwi-48% ukuya kwi-48% ukuya kwi-48% ukuya kwi-48% ukuya kwi-48% ukuya kwi-48% ukuya kwi-48% ukuya kwi-48% ukuya kwi-48%. Ixesha elingaphezulu, i-Zumrarata iya kuqala ukutyhala ngaphandle, njengoko oku ekugqibeleni bebonisa izizukulwana ezidlulileyo.